Buying a Home

In the past people shopped for a home using a real estate agent and didn't involve the lender until after a house was selected. Today, there's a much smarter way to shop. Get AKRIDGE REALTY, Inc. involved with you and your agent from the start.

AKRIDGE REALTY, Inc. can help you determine how much home you can afford so you and your agent know your price range immediately. In addition we can:

  • Pre-approve you for a loan – a valuable negotiating tool when you're bidding on a home
  • Provide rate protection that holds a rate for you for up to 30 days while you shop for a home and locks it in for an additional 45 days (60 days for FHA and VA loans) during the loan process**

Here are seven steps we recommend for selecting and purchasing a new home. Follow them and your home buying experience will go a lot smoother. You'll be closing before you know it.

  1. Determine your price range
  2. Get pre-approved for a loan
  3. Protect your rate
  4. Select a real estate agent
  5. Shop for a home
  6. Make an offer
  7. Complete the purchase

Double Carports $695

Single Rooms For Rent

Residential

  • Vacant Land
  • Purchase / Refinance / Get Cash Out
  • Unlimited Acreage
  • Value for every single square foot
  • Hunting Property
  • Unusual Zoning

There's no need to leave vacant land out to pasture! We can help secure your dream retirement, vacation or hunting property. Our vacant land loans include financing for multiple parcels and unlimited acreage with up to 90% loan-to-value with approved credit.

Residential

Commercial

Loans from $100,000 to $5,000,000.
We have commercial loans to value at 75%.
We have hard money loans with no credit.

Commercial loans from $100,000 to $5,000,000!

  • Automotive
  • Bed and breakfast
  • Light Industrial
  • Mixed-Use
  • Mobile Home Park
  • Office
  • Retail
  • Self Storage
  • Warehouses
  • Churches
  • Apartment Complexes
  • Hotels

Commercial

Refinancing

When does it make sense to refinance?

In most cases people refinance to save money. This occurs either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed rate loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However if you are looking to save money, try this calculation:

  1. Calculate the total cost of the refinance
  2. Calculate the monthly savings
  3. Divide the total cost of the refinance (#1) by the monthly savings (#2). This is the “break even” time. If you own the house longer than this, you will save money by refinancing.

Since refinancing is a complex topic it is wise to consult a mortgage professional such as AKRDIGE REALTY Inc.

Refinancing

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